Let's Talk Income Protection – Détails, épisodes et analyse

The Keep Britain Working report lays out a stark reality: the UK is losing working-age people to ill health at scale, and it is impacting households, employers, and the wider economy. In this final episode of Season 2, we unpack what the report says, what needs to change, and why staying connected to work is often better than falling out of it entirely.  

Stevie and Matt are joined by three expert guests: Dr Julie Denning (Working to Wellbeing, Chair of the Vocational Rehabilitation Association), Monica Garcia (MT Consulting, Trustee of the Vocational Rehabilitation Association), and Roy McLoughlin (Protection Distributors Group). Together they explore how early intervention, vocational rehabilitation, and the modern income protection proposition can help more people stay in meaningful work and reduce long-term absence.

Key learnings from this episode: 

• Why the report is action-focused and what it is trying to unlock next (frameworks, evidence, and delivery)
• Early intervention in practice, including how it shows up across both group and individual income protection
• The value of proportional benefits and alternative roles: “can’t do your job” does not mean “can’t work”  

To read the Keep Britain Working report, use this link, or search “Keep Britain Working report”.  

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Produced and edited by SEA Studios

Consumer Duty regulations are reshaping protection advice by shifting the industry from box-ticking compliance to a genuine focus on client outcomes. This shift enables advisers to deliver more meaningful, goal-oriented conversations about financial security.

Keith Richards from the Consumer Duty Alliance joins us to discuss how things are shaping up 2 years on, before we get an adviser's view from Jiten Varsani from FortyOne Money

Key learnings from this episode:

• Consumer Duty represents a transformation from prescriptive, rules-based regulation to outcomes-focused approaches
• Keith Richards explains how the Consumer Duty Alliance provides free self-assessment tools and resources for advisors
• Vulnerability considerations have expanded beyond permanent conditions to include temporary circumstances requiring additional support
• Claims handling is improving with streamlined processes, digital signatures, and dedicated support contacts
• Cross-referrals between protection specialists and wealth advisors are increasing to provide holistic financial planning
• Documentation now focuses on evidencing client outcomes rather than just product recommendations
• Consumer Duty encourages advisers to break complex advice into manageable, client-friendly segments
• The Protection Alliance is being developed to support protection specialists specifically

To claim your unstructured CPD and learn more about Consumer Duty, visit consumerduty.org for free tools and guidance. Register now for Income Protection Action Week 2025, running 22nd September, at iptf.co.uk.

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In this special mid-season bonus episode, guest host producer Stevie is here to showcase Matt's Top Tips from Season 1, episodes 5 to 8. These episodes are jam-packed with excellent advice from regular hosts and "The Protection Coach" Matthew Chapman, so get stuck in and caught up ahead of Season 2.

We are also asking for your thoughts for season 2 as well, as we want to make the podcast the best it can be for season 2, please fill out this survey to support us, it all helps!

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Produced and edited by SEA Studios

In this special mid-season bonus episode, guest host producer Stevie is here to showcase Matt's Top Tips from Season 1, episodes 1 to 4 which are jam-packed with excellent advice from regular host and "The Protection Coach" Matthew Chapman.

We are also asking for your thoughts for season 2 as well, as we want to make the podcast the best it can be for season 2, please fill out this survey to support us, it all helps!

📣 For More Education, Collaboration and Insight:

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Produced and edited by SEA Studios

In the Season 1 finale:

We speak to Andrew Russell, a mortgage adviser and protection specialist. They discuss the importance of income protection and how to have meaningful conversations about protection with clients. Andrew emphasises the need for financial education and transparency when talking about taboo topics like death and illness.

In #AskIPTF this week, we’ll answer some of your burning questions about choosing the right provider and Matt's tips on reaching the rental market.

And of course, we finish with Matt's Top Tips of the Week with Matt providing 4 top tips this week!

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In today's episode

We speak to Ollie Basnett from New Homes. Together, we uncover why income protection should be a top priority for clients, especially when purchasing a new home. 

In #AskIPTF this week, we’ll be answering some of your burning questions with questions on ASU policies and Executive Income Protection

And of course, we finish up with Matt's Top Tips of the Week, covering simplification, the use of stories and prioritisation.

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Produced and edited by SEA Studios

In today's episode

What if you could seamlessly incorporate income protection into every financial plan you develop? Join us on this episode of "Let's Talk IP" as we chat with Sarah Parkin from Hollybeck, a seasoned expert whose journey from TSB Bank to the Mortgage Advice Bureau has made her a passionate advocate for income protection. Sarah shares her extensive knowledge on transforming income protection from a separate product to an integral part of financial advisory, offering a fresh perspective on how to enrich client relationships and improve their financial resilience.

In #AskIPTF this week, Matt answers burning questions on clients refusing protection after sorting out their mortgage and overcoming issues around exclusions on Income Protection. 

Then,  in Matt's Top Tips of the Week - Matt delves into income stress testing with clients, embedding it into the advice process, leaning into the value and continuous professional development.  

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In today's episode

Unlock the psychological secrets behind selling income protection with this eye-opening episode featuring Julie Botha, Sales Training & Academy Manager from Vitality. Storytelling isn't just for bedtime; it's a powerful tool that can reshape how we talk about insurance with clients. 

Tap into the shared wisdom of our conversation, where we explore how to turn client discussions into narratives highlighting the value of security and investment in their future. Discover the methods that will help you move past technical jargon and create a compelling vision of protection that resonates with clients' deepest needs and values.

Matt then provides his top tips after his conversation with Julie covering: bringing up protection at the earliest opportunity, selling the problem, not the solution and ask the question "walk me through..."

As mentioned in the podcast, the 7 Families' 10-year anniversary is now out, please watch these powerful stories by using the link below.  

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Produced and edited by SEA Studios

In today's episode

We celebrate the 10-year anniversary of the 7 Families Project's legacy, a collaborative effort that has shifted perceptions and provided tangible support to families in need. With insights into the project's conception and its enduring influence from our guest today, Karin Lloyd.

In #AskIPTF this week, we highlight a couple of posts we enjoyed from two of our 7 advisers on LinkedIn. We have questions on tackling universal credit objections and unblocking the biggest thing stopping advisers from recommending IP - please use the phone number or links below to send in your questions.

Matt then provides us with his top tips on focusing on what's important to the client and using language that makes sense to them. 

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In today's episode

What would you do if you became ill and couldn't work, how would you protect and look after your family without your regular income? This would have been Damian Bamford's problem if he hadn't taken the advice of Tracey Boyd of Mortgage Hub Expert.

Hear his inspiring journey through adversity to stability as we delve into Damian's personal account of overcoming a health scare, and how Tracey's guidance and a robust policy provided a financial lifeline. Their story is a vivid reminder that life's uncertainties need not spell disaster with the right planning in place while reminding us advisers "This is why we do this"

We answer your questions in #AskIPTF - where you get the chance to ask your burning questions - to send in your questions please use the phone number or links below.

Matt then provides us with his top tips on building financial resilience for your clients over "Selling" and overcoming objections.

And please complete this year's adviser survey (https://tinyurl.com/yenmxuay) so please go and complete that! 

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Produced and edited by SEA Studios